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Rates are effective as of January 8, 2010 

Certificates of Deposit

Term  Annual
Percentage Yield 
Interest
Rate 
Compounding
Frequency 
6 Month (180 day) 
1.25%  1.25%  None 
18 Month 
1.75%  1.74%  Semi-annually 
1 Year 
1.75%  1.74%  Semi-annually 
2 Year 
1.80%  1.79%  Semi-annually 
3 Year 
2.25%  2.24%  Semi-annually 

The annual percentage yield shown assumes that all principal and interest remain on deposit for the entire term. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.
Minimum deposit to open: $1,000.00.

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Individual Retirement Accounts

Term  Annual
Percentage Yield 
Interest
Rate 
Compounding
Frequency 
18 Month Variable 
1.40%  1.39%  Monthly 
18 Month 
1.65%  1.64%  Monthly 
1 Year 
1.60%  1.59%  Semi-annually 
2 ½ Year 
1.80%  1.79%  Semi-annually 

The annual percentage yield shown assumes that all principal and interest remain on deposit for the entire term. Fees could reduce earnings on the accounts. A penalty may be imposed for early withdrawal. Interest rate and annual percentage yield may change after the initial opening date.
Minimum deposit to open: $100.00

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Statement Savings*

Annual Percentage Yield  Interest Rate  Compounding Frequency 
1.10% 
1.10%  Quarterly 

Minimum balance to open: $200.00
*Interest rate and annual percentage yield may change after the initial opening date. Fees may reduce earnings.

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Youth Savings*

Annual Percentage Yield  Interest Rate  Compounding Frequency 
1.10% 
1.10%  Quarterly 

Minimum balance to open: $25.00
*Interest rate and annual percentage yield may change after the initial opening date. Fees may reduce earnings.

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Charter College Fund*

Min. Balance to obtain Annual
Percentage Yield 
Annual
Percentage Yield 
Interest
Rate 
Compounding
Frequency 
$0.00-$250.00 
10.38%  10.00%  Quarterly 
$250.01-$10,000.00 
10.38% - 2.27%  2.25%  Quarterly 
$10,000.01-$25,000.00 
2.27% - 2.52%  2.50%  Quarterly 
$25,000.01 and over 
2.52% - 1.10%  1.10%  Quarterly 

Interest will be paid at the interest rate shown above only for that portion of your balance at each deposit tier.
Minimum balance to open account: $100.00
*Interest rate and annual percentage yield may change after the initial opening date. Fees may reduce earnings.

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Charter Gold Checking*

Min. Balance to obtain Annual
Percentage Yield 
Annual
Percentage Yield 
Interest
Rate 
Compounding
Frequency 
$0.00-$2,499.99 
.15%  .15%  Monthly 
$2,500.00-$24,999.99 
.15%  .15%  Monthly 
$25,000.00 and over 
.15%  .15%  Monthly 

Interest will be paid at the interest rate shown above only for that portion of your balance at each deposit tier.
Minimum balance to open account: $50.00
*Interest rate and annual percentage yield may change after the initial opening date. Fees may reduce earnings.

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Charter Premium Gold Checking*
(Individuals Only)

Min. Balance to obtain Annual
Percentage Yield 
Annual
Percentage Yield 
Interest
Rate 
Compounding
Frequency 
$0.00-$9,999.99 
.15%  .15%  Monthly 
$10,000.00 and over 
1.00%  1.00%  Monthly 

Interest will be paid at the interest rate shown above only for that portion of your balance at each deposit tier.
Minimum balance to open account: $2,500.00
*Interest rate and annual percentage yield may change after the initial opening date. Fees may reduce earnings.

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Money Market*

Min. Balance to obtain Annual
Percentage Yield 
Annual
Percentage Yield 
Interest
Rate 
Compounding
Frequency 
$0.00-$9,999.99 
.50%  .50%  Monthly 
$10,000.00-$99,999.99 
1.76%  1.75%  Monthly 
$100,000-$249,999.99 
1.76%  1.75%  Monthly 
$250,000.00 and over 
1.76%  1.75%  Monthly 

Interest will be paid on the full balance of your account at the interest rate shown above for the deposit tier that lists your account balance.
Minimum balance to open account: $1,000.00
*Interest rate and annual percentage yield may change after the initial opening date. Fees may reduce earnings.

   
   
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